Cookie Policy

Lloyds Bank Commercial Finance Cookie Notice January 2017

Lloyds Bank Commercial Finance is committed to protecting you and any data (anonymous or otherwise) that we collect about you online. This section tells you how we use cookies, why, and how this allows us to improve our service. It also tells you how you can manage what cookies are stored on your device. We call it our Cookies Policy.

By using our websites (through any device) you agree that this Cookies Policy applies to that use in addition to any other terms and conditions which may apply.

We reserve the right to make changes to our Cookies Policy. Any changes will appear here and become effective immediately. Your continued use of our websites is taken as meaning that you agree to such changes.

Our Cookies Policy was last updated on January 2017.

What is a cookie?

Cookies are files containing small amounts of information which are downloaded to the device you use when you visit a website. Cookies are then sent back to the originating website on each subsequent visit, or to another website that recognises that cookie. Cookies do lots of different and useful jobs, such as remembering your preferences, and generally improving your online experience.

There are different types of cookies. They all work in the same way, but have minor differences.

Session cookies

Session cookies last only for the duration of your visit and are deleted when you close your browser. They facilitate tasks such as allowing a website to identify that a user of a particular device is navigating from page to page, supporting website security or basic functionality. Many of the cookies we use are session cookies. Our session cookies used for security are designed to be very difficult to read, change, access or use. They contain no personal information that can be used to identify an individual. These are the session cookies used in this website:

  • F - session cookie anti validation forgery cookie session cookie.
  • ipRegion - this records your location.

Persistent cookies

Persistent cookies last after you have closed your browser, and allow a website to remember your actions and preferences. Sometimes persistent cookies are used by websites to provide targeted advertising based on the browsing history of the device.

Lloyds Bank Commercial Finance uses persistent cookies in a few ways, including allowing us to analyse customer visits to our site. These are the persistent cookies used in this website:

  • _ga and _gat – Google Analytics, used to check approximately how long you stay on any site which uses Google analytics: when a visit starts, and when it approximately ends.
  • AdiLP, adiS, adiV and adiVi – ResponseTap, used to track telephone numbers initiating from the website.
  • WT_FPC – Webtrends, used to help us analyse our web analytics. These cookies help us to understand how customers arrive at and use our site so we can improve the Internet Banking service.

For full details about our cookies, we’ve put together a list of the cookies we use:

First and third party cookies: whether a cookie is a first or third party cookie depends on which website the cookie comes from. First party cookies are those set by or on behalf of the website visited. All other cookies are third party cookies. We use both first party and third party cookies. You can read more about them below.

Strictly necessary cookies: these cookies are essential to enable you to move around the website and use its features, and for ensuring the security of your online banking experience. Without these cookies, services such as applying for products and managing your accounts can’t be provided. These cookies don’t gather information about you for the purposes of marketing.

Performance cookies: these cookies collect information about how visitors use a website, for example, which pages visitors go to most often, and if they get error messages from web pages. These cookies don't collect information that identifies a visitor, although they may collect the IP address of the device used to access the site. All information these cookies collect is anonymous and is only used to improve how a website works, the user experience and to optimise our advertising. By using our websites, you agree that we can place these types of cookies on your device, however, you can block them using your browser settings. For more information on how to do this in popular web browsers (Internet Explorer, Google Chrome, Firefox and Safari), watch one of our short video guides.

Functionality cookies: These cookies allow the website to remember choices you make (such as your user name). They are also used to identify what type of customer you are based on your behaviour. Using this information we may set your default homepage to that which is most appropriate for your customer type for the next time you visit us (e.g. you will see Private Banking rather than Personal). They may also be used to provide services you request, such as watching a video. The information these cookies collect is anonymised (i.e. it does not contain your name, address, account details, etc.) and they don’t track your browsing activity across other websites.

By using our websites, you agree that we can place these types of cookies on your device, however, you can block them using your browser settings. For more information on how to do this in popular web browsers (Internet Explorer, Google Chrome, Firefox and Safari), watch one of our short video guides.

Targeting cookies: these cookies collect several pieces of information about your browsing habits. They are usually placed by advertising networks. They remember that you have visited a website and this information is shared with other organisations such as media publishers.

These organisations do this in order to provide you with targeted adverts more relevant to you and your interests. This type of advertising is called online behavioural advertising and place an icon in the top right hand corner of an advert. This icon when clicked, will take you through to the website Your Online Choices where there is more help and guidance for you to Opt-out of this type of advertising.

You can block these cookies using your browser settings. For more information on how to do this you may wish to watch one of our short video guides which explain how this is done in popular web browsers (Internet Explorer, Google Chrome, Firefox and Safari). By using our websites you agree that we can place these types of cookies on your device.

What If I Don't Want to Accept Cookies?

You can block or restrict cookies set by any website – including Lloyds Bank Commercial Finance websites – through the browser settings on each browser you use, on each device you use to access the Internet.

Keep in mind

Please be aware that some of our services, for example, Internet Banking, will not function if your browser does not accept cookies. However, you can allow cookies from specific websites by making them “trusted websites” in your Internet browser.

For more information on how to do this in popular web browsers (Internet Explorer, Google Chrome, Firefox and Safari), watch one of our short video guides.

For information on how to do this on a wider variety of browsers go to All about cookies.

© Copyright Lloyds Bank Commercial Finance 2017

Calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service.

Lloyds Bank Commercial Finance Ltd. Registered office: No.1, Brookhill Way, Banbury OX16 3EL. Registered in England and Wales no.733011.

Lloyds Bank Commercial Finance Scotland Limited, Registered in Scotland no. 93252. Registered office: 110 St Vincent Street, Glasgow, G2 5ER.

Lloyds Bank Commercial Finance Limited is authorised and regulated by the Financial Conduct Authority under registration number 724228 for activities relating to certain types of consumer credit which are regulated under the Consumer Credit Act 1974 and by the Financial Services and Markets Act 2000. We are not deposit takers and are not regulated by the Prudential Regulation Authority.

When using Asset Finance your agreement will be with a Lloyds Banking Group company whose terms and conditions will apply. The provision of credit or leasing services by us is subject to your meeting our Credit approval. Please ensure that you only apply for credit or leasing services that you can comfortably afford.